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nahitaji mkopo

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Mtende, Feb 3, 2012.

  1. Mtende

    Mtende JF-Expert Member

    #1
    Feb 3, 2012
    Joined: Sep 27, 2010
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    wadau naombeni msaada maana naona maisha hayaendi,kazi sijapata kila nimejaribu kuapply lakini wapi,sasa nahitaji mkoo wa shilingi milioni mbili na nusu nifanye japo kabiashara kadogo niweze kuendesha maisha hapa mjini please nisaidieni hata vyeti vyangu ntaweka rehani ili mnipe huo mkopo, naamini mpo wengi mnaohitaji mkopo kama mimi sema tu tumetofautiana viwango
    i am serious nisaidieni
     
  2. tindikalikali

    tindikalikali JF-Expert Member

    #2
    Feb 3, 2012
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    Kama uko serious hauhitaji kusema kwamba uko serious...vipi hujiamini?
     
  3. A

    AMBUJE Member

    #3
    Feb 3, 2012
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    life tight kwa kila mtu, komaa tu mzazi

     
  4. Sizinga

    Sizinga JF-Expert Member

    #4
    Feb 3, 2012
    Joined: Oct 30, 2007
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    Join in group, go for loan, otherwise vigezo na masharti vitakuumiza!!
     
  5. m

    mchajikobe JF-Expert Member

    #5
    Feb 4, 2012
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    Sikiliza ile nyimbo ya stamina inaitwa Sikati tamaaa!!!
     
  6. chubulunge

    chubulunge Senior Member

    #6
    Feb 4, 2012
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    how much
     
  7. saidsaid217

    saidsaid217 Member

    #7
    Feb 4, 2012
    Joined: Feb 1, 2012
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    Nivzur ungetaja na biashara unayoiwazia kuifanya ili tuingize ktk compitition ya soko la biashara saiz.
     
  8. Mtende

    Mtende JF-Expert Member

    #8
    Feb 7, 2012
    Joined: Sep 27, 2010
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    milioni mbili na nusu
     
  9. Mtende

    Mtende JF-Expert Member

    #9
    Feb 7, 2012
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    najiamini ndo maana nimetuma hii post hapa
     
  10. Mkeshahoi

    Mkeshahoi JF-Expert Member

    #10
    Feb 7, 2012
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    dhamana..?
     
  11. C.T.U

    C.T.U JF-Expert Member

    #11
    Feb 8, 2012
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    wewe mwanamke au mwanaume??
     
  12. Mtende

    Mtende JF-Expert Member

    #12
    Feb 9, 2012
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    ina maana jinsia ni kigezo?
     
  13. Mtende

    Mtende JF-Expert Member

    #13
    Feb 9, 2012
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    vyeti vya shule
     
  14. Entrepreneur

    Entrepreneur JF-Expert Member

    #14
    Feb 11, 2012
    Joined: Jun 26, 2011
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    Pole sana, kwa kweli hali ngumu kwa graduate wengi sana. Soko la ajira halina uwezo wa kuwachukua wote, wakati mitaji kwa wanaotaka kujiajiri haionekani. Hapa Tanzania bado sijaona Bank inyotoa Start Up capital kama Mkopo, hivyo challenge inakuwa kuwa zaidi.

    Na kwa kiwango unachotaka wewe, usilogwe ukachukua kwa wale informal money lenders (wa 20% kwa mwezi) kwa watakufilisi kabisa. Cha kufanya ni kuwatemelea hawa watu MYC4 kwenye web yao; www.myc4.com, Huko utakutana na wakopeshaji wengi sana watakaogombania idea yako kama mnadani. (wewe ndio utachagua interest unayoimudu.). Cha msingi ni wewe kufungua account yako kwenye hiyo web halafu unaupload plan yako. Iwe nzuri, inayovutia (Si kushauri uonyeshe kuwa, ugumu wa maisha ya hapa mjini ndio umekusukuma kuanzisha hiyo biashara.

    Sina hakika kama watachukua hivyo vyeti kama dhamana, but ninavojua unaweza kutoa dhamana ya vitu vidogo vidogo kama vitendea kazi (mfano hiyo computer unayotumia n.k). Ukiona dhamana hazitoshi basi unaweza ukawashawishi kuweka vifaa utakavyonunua na huo mkopo kama dhamana. Hii kitaalamu wanaita Finance Leasing.

    Kila la heri
     
  15. Mtende

    Mtende JF-Expert Member

    #15
    Feb 14, 2012
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    thanks much,
    yeah si ugumu wa maisha ila natafuta starting point to reach somewhere let me try,thanks again
     
  16. Entrepreneur

    Entrepreneur JF-Expert Member

    #16
    Feb 14, 2012
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    You are welcome Mtende. Ulitaka uanze na biashara gani? Ninaweza nikakutumia business plan itakayokusaidia
     
  17. HP1

    HP1 JF-Expert Member

    #17
    Feb 15, 2012
    Joined: Feb 4, 2012
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    Nakushauri ujiunge kwenye SACCOS itakuwa rahisi kupata mkopo. Mabenki mengi yana masharti na vigezo vingi, mfano kudhaminiwa na mwajiri, kuwa na leseni ya biashara, ila SACCOS masharti ni nafuu. Wadhamini wawili wanachama wanatosha.
     
  18. Entrepreneur

    Entrepreneur JF-Expert Member

    #18
    Feb 15, 2012
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    Mkuu upo sahihi kabisa, Saccos zinasaidia sana lakini mikopo ya Saccos nayo ina masharti yake pia (hasa hizi za wafanyabiashara na wakulima). Nyingi utatakiwa uwe na HISA, (kama 10% ya mkopo unaohitaji), vilevile utatakiwa uweke akiba ya lazima (almost 25% ya mkopo unaotaka ndio upate hela). Bado muda utakaotakiwa usubiri kama kwani mwanchama Mpya hawezi kujiunga tu na kuomba mkopo (atleast 3 months)

    Mimi nimefanya utafiti, na nimegundua kuwa mikopo ya Benki kama NMB ina masharti rahisi na riba rafiki kuliko Saccos nyingi unazoziona. Ugumu pekee ninaouona kwenye mikopo ya NMB ni suala la kutaka wakopaji waliodumu kwenye biashara kwa kipindi fulani (hii si tatizo kwa wajuzi wa mambo kwani wengi wana-doctor hizo sales report na kuzi-backdate),
     
  19. sumasuma

    sumasuma JF-Expert Member

    #19
    Feb 15, 2012
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    me,ningekusidia,sema,hiyo,insu,ya,kuweka,nyeti.rehani,nashindwa,kukuamin,namna,ya,kurudisha,huo,mkopo!!!
     
  20. Entrepreneur

    Entrepreneur JF-Expert Member

    #20
    Feb 15, 2012
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    Hiyo red ndio nini sasa mkuu? Yeye amesema vyeti. Halafu kama unalengo la kufanya nae biashara/kumsaidia bado option hazijaisha. Unaweza kuomba dhamana ya vitendea kazi atakavyonunua kwa mkopo huo na mambo yakaenda
     
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